Insurance Claim Lawyer in West Texas

After an accident, you may find yourself dealing with insurance adjusters while you are hurt, missing work and worried about bills. Insurance companies are businesses, and their goal is to resolve claims for as little as possible. The Daspit Law Firm handles the insurance side of your injury claim so you do not have to. Our founding attorney, John Daspit, is a former insurance defense lawyer who understands how claims are evaluated from the inside.

How Injury Claims Work in Texas

Texas is an "at-fault" state. The person who caused the accident, and that person's insurance company, is responsible for the damages. In most cases your claim will be handled by the at-fault driver's or property owner's insurer. Sometimes your own policy also applies, including uninsured/underinsured motorist coverage, personal injury protection, or medical payments coverage.

Types of Insurance That May Apply

•       The at-fault party's liability insurance (auto, homeowner's, commercial or business policy)

•       Your own uninsured/underinsured motorist (UM/UIM) coverage

•       Medical payments (MedPay) or personal injury protection (PIP) coverage

•       Commercial policies for trucks, businesses and employers

•       Health insurance, which may seek reimbursement from your settlement

Texas requires drivers to carry minimum liability insurance, and the minimums are low compared with the cost of serious injuries. For more on car crashes, see our car accident page.

Common Insurance Company Tactics

•       Asking for a recorded statement soon after the accident

•       Making a quick, low settlement offer before you know the full extent of your injuries

•       Arguing that you were partly at fault to reduce what they pay

•       Disputing that your injuries came from the accident, or that your treatment was necessary

•       Delaying a response to your claim

How We Help You Recover Compensation

•       Investigate the accident and gather evidence

•       Identify every insurance policy that may apply

•       Document your medical expenses, lost wages and future needs

•       Communicate with the insurance company for you

•       Negotiate for a fair settlement, and file a lawsuit if one cannot be reached

What Compensation Can You Recover?

•       Past and future medical expenses

•       Lost wages and lost earning capacity

•       Pain and suffering and mental anguish

•       Physical impairment and disfigurement

•       Property damage

•       Exemplary damages when the other party's conduct was grossly negligent

Frequently Asked Questions About Insurance Claims After an Accident

Should I give a recorded statement to the other driver's insurance company?

You are not required to. Before you do, speak to a lawyer. Statements can be used to dispute your claim.

Should I accept the first settlement offer?

Be cautious. Early offers are often made before the full extent of your injuries is known. A settlement releases the other party, usually for good.

What if the at-fault driver has no insurance or too little?

Your own uninsured/underinsured motorist coverage may help. Texas insurers must offer it, and you must reject it in writing if you do not want it.

What if my own insurance company is denying my claim?

Insurance companies must deal with policyholders in good faith and handle claims promptly. Our lawyers can review the denial and advise you.

How long do I have to file an injury claim in Texas?

Generally two years from the date of the accident, though insurer policy deadlines for notice and some claims can be shorter.

Does it cost anything to talk to you?

No. Your consultation is free.